The irmaa brackets 2026 determine higher Medicare Part B and Part D premiums for retirees with increased income. Federal Pension Advisors explains how these brackets work, who may be impacted, and why understanding IRMAA is essential for effective retirement and tax planning. https://www.federalpensionadvisors.com/post/2026-irmaa-brackets-medicare-irmaa-in-2026-and-surcharge